As part of Chemical Bank's continued dedication to the security and protection of our Debit Cardholders, we are excited to announce our upcoming Debit Card, including Chip Technology, which we will be issuing beginning in 2016! This technology will provide an additional level of security to your Debit Card transactions when used at chip-enabled terminals.

A brief overview of the chip card.

Frequently Asked Questions

Got questions? We've got answers.

Chip cards are payment cards that have an embedded chip. Chip cards offer you advanced security when you use the chip to pay in store.

Chip cards are based on a global card payment standard called EMV, currently used in more than 80 countries. There are more than 2.37 billion chip cards issued across the globe. Lean more at emv-connection.com/consumers.

Chip card transactions offer you advanced security for in-store payments by making every transaction unique. And, your chip card is more difficult to counterfeit or copy. If the card data and the one-time code are stolen, the information cannot be used to create counterfeit cards and commit fraud.

If you have a chip card, the chip is located on the front of the card. You will still have a magnetic stripe on the back so that you can use it at merchants who don’t accept chip cards yet.

During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card. These basic steps will help ensure successful transactions:

  1. Insert your card with the chip toward the terminal, facing up. Do not remove until prompted.
  2. Provide your signature or PIN as prompted by the terminal. Some transactions may not require either.
  3. When the terminal says the transaction is complete, remove your card.

When using your chip card, always remember to follow the prompts on the terminal and leave your card inserted until prompted to remove it.

Yes, merchants will continue to accept magnetic stripe card payments.

Yes, merchants will continue to accept magnetic stripe card payments.

Chip-enabled terminals have all of the features you are used to with a payment terminal, with the addition of a slot to insert your card. The slot is typically located at the bottom or the top of the payment terminal.

During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card.

Cards will still have a magnetic stripe on the back, so even if a terminal in not yet chip-enabled, you can use your card as you do today.

Anywhere. You card will have a chip and a magnetic stripe to accommodate any situation. During the transition to chip, you can swipe your card as you normally would and follow the prompts. If the terminal is chip-enabled, it will prompt you to insert it instead. If you already know your chip card works there, start by inserting your card.

Every day, more merchants are becoming chip-enabled to increase security for in-store card transaction, so you will start to see these terminals at many of the places you shop today. You will continue to be able to pay at both chip-enabled and non-chip-enabled merchants with the same card.

No. You will use your chip card for online purchases by following the same process you do today.

Yes. Chip cards are widely used in international markets and are accepted in more than 80 countries. Having a chip card will make it easier for you to make purchases when you travel internationally.

Yes, Preferred RewardsSM points will transfer to your new chip card.

Many of these consumer FAQs were downloaded from GoChipCard.com, an EMV Migration Forum and Payments Security Task Force website. ©EMV Migration Forum 2015. All rights reserved.